Life insurance and annuities can solve legitimate planning problems—but the person recommending a product may also be paid when you buy it. Learn why consumers and their professional advisors should seek independent, analysis-focused advocacy before committing.

Crypto language is being added to already-complex insurance products. Before buying a crypto-linked fixed indexed annuity or accepting a “tax-free” life insurance pitch, learn what is guaranteed, what can change, what you do not own, and how the tax treatment really works.

How do fixed indexed annuity commissions work? Learn how FIA compensation, surrender periods, rider costs and renewal rates may affect your retirement outcome—and why an independent second opinion matters.